The value of the banker-customer relationship: INSOLVENCY LAW AND PRACTICE

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Since passage of the 1986 Insolvency Act, insolvent UK personal debtors have had access to a statutory Individual Voluntary Arrangement (IVA) procedure which is designed to avoid the finality and penalties of bankruptcy. The IVA between debtors and creditors was designed to allow viable sole traders to continue in business or to achieve a better […]

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The value of the banker-customer relationship: THE BANKER-CUSTOMER RELATIONSHIP

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UK retail banks operate in an extremely competitive environment and invest heavily in gaining competitive advantage. Traditional banks suffer pressure on profit margins and growing threats from non- traditional competitors such as supermarkets and even football clubs. Competitive pressures and available technology have, in part, resulted in a move away from the relational banking of […]

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The value of the banker-customer relationship

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The value of the banker-customer relationship

INTRODUCTION The relationship between a banker and a customer has its foundations in well- established UK case law, reinforced, since 1992, by a code of conduct. Until 1997, however, the code was silent on the matter of dealing with non-performing loans. In 1997 banks made a firm commitment to ‘consider cases of financial difficulty sympathetically […]

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Continuing professional development in a financial services organisation: SUMMARY

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CPD is a process by which individuals can remain up-to-date and competent in their chosen field. Employees have the ability to provide a significant business advantage through being more adaptive and responsive to business-led change. Individuals benefit through their own improving performance. This enhances job prospects, and this has a positive impact on their capacity […]

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Continuing professional development in a financial services organisation: CPD AS A STRATEGIC APPROACH

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Continuing professional development in a financial services organisation: CPD AS A STRATEGIC APPROACH

Hendry and Pettigrew list the main features of strategic human resource management (HRM), which may be applied to strategic CPD: — Use of planning: CPD activities must be systematic and planned, designed to meet defined needs so they are relevant — An ad hoc CPD scheme will lack a coherent approach to design and management […]

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Continuing professional development in a financial services organisation: THE LEARNING CYCLE

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One of the underpinning issues of CPD is the concept of ‘Learning to Learn’. Recent years have seen an increased emphasis on the activities of the learner and on giving them the tools to learn not only what is needed in the present, but what can be transferred to future situations; allowing them to learn […]

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Continuing professional development in a financial services organisation: Which model is best?

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Continuing professional development in a financial services organisation: Which model is best?

Each model has its own merits and drawbacks. Williams argues that because the benefits model is voluntary, it requires the individual to be motivated and could mean that ‘CPD would become a minimum’. A survey of IPD members investigated the motivation of individuals to participate in their Institute’s scheme of CPD. The results of the […]

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Representative APR 391%

Let's say you want to borrow $100 for two week. Lender can charge you $15 for borrowing $100 for two weeks. You will need to return $115 to the lender at the end of 2 weeks. The cost of the $100 loan is a $15 finance charge and an annual percentage rate of 391 percent. If you decide to roll over the loan for another two weeks, lender can charge you another $15. If you roll-over the loan three times, the finance charge would climb to $60 to borrow the $100.

Implications of Non-payment: Some lenders in our network may automatically roll over your existing loan for another two weeks if you don't pay back the loan on time. Fees for renewing the loan range from lender to lender. Most of the time these fees equal the fees you paid to get the initial payday loan. We ask lenders in our network to follow legal and ethical collection practices set by industry associations and government agencies. Non-payment of a payday loan might negatively effect your credit history.

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